17 and in debt need HELP!

I am in between payouts on my main affiliate is on the 23 of october and my other affiliate is on the 30th of october!

Here is my story I singed up for WAMU awhile back with only a checking account, I would use paypal to get money out of my bank account and buy stuff. When I didn't have enough money it would say insufficient funds and not let me buy anything (or if it was 10 dollars from the max price it would overcharge). I thought that was okay I can handle like 20 dollars overcharge, well WAMU went bankrupt and it turned into chase. That is okay whatever well I sign up for my chase online account to check statements ETC, I see this weird credit card on my chase account with a outstanding balance of 1,600. I was like WHAT THE FUCK I called up and apparently When I try to buy something that I didn't have money for it used the credit card in paypal ( I didnt even know I had a god damn credit card).On top of that The charges only equal up to $350.93 but I didn't know about it for so long it turned into $1,600. Apparently There is nothing I can do and I cant wait to show my dad how fucking great it is that I have a 1,600 dollar outstanding balance. He already thinks that my affiliate marketing is going to ruin my credit this will just make it worse.

So here I am only 17 and in fucking debt, my recent Affiliate check I spent on xrumer + dedi and my newest check is going to be 1,400 dollars from ****** and 1,600 from **************. The thing is they come next month, so I need to sell my domains.
AND its my own damn fault, no one to blame but myself for this I should have seen where my payments were going to.

Was wondering what I could do, I was thinking of calling my affiliate seeing if they could rush payment. But its a big corp and most of you know them as CJ and another pretty big premium block cpa company.

Yeh, if you can get a loan and pay the debt off now to stop it from growing that would be a smart move and buy you some time to cash those checks... Just make sure to pay your bank note a.s.a.p. You don't want to start a debt pattern and really ruin your credit history.

If you are 17, there is no way you can legally get a credit card in your name. You have to be 18 in the USA to enter into a legal obligation. Dispute the account and find a lawyer that can have the debt removed.Posted via Mobile Device

I am in between payouts on my main affiliate is on the 23 of october and my other affiliate is on the 30th of october!

Here is my story I singed up for WAMU awhile back with only a checking account, I would use paypal to get money out of my bank account and buy stuff. When I didn't have enough money it would say insufficient funds and not let me buy anything (or if it was 10 dollars from the max price it would overcharge). I thought that was okay I can handle like 20 dollars overcharge, well WAMU went bankrupt and it turned into chase. That is okay whatever well I sign up for my chase online account to check statements ETC, I see this weird credit card on my chase account with a outstanding balance of 1,600. I was like WHAT THE FUCK I called up and apparently When I try to buy something that I didn't have money for it used the credit card in paypal ( I didnt even know I had a god damn credit card).On top of that The charges only equal up to $350.93 but I didn't know about it for so long it turned into $1,600. Apparently There is nothing I can do and I cant wait to show my dad how fucking great it is that I have a 1,600 dollar outstanding balance. He already thinks that my affiliate marketing is going to ruin my credit this will just make it worse.

So here I am only 17 and in fucking debt, my recent Affiliate check I spent on xrumer + dedi and my newest check is going to be 1,400 dollars from ****** and 1,600 from **************. The thing is they come next month, so I need to sell my domains.
AND its my own damn fault, no one to blame but myself for this I should have seen where my payments were going to.

Was wondering what I could do, I was thinking of calling my affiliate seeing if they could rush payment. But its a big corp and most of you know them as CJ and another pretty big premium block cpa company.

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I could be wrong, but if you are under 18, I don't think you can legally have a contract - and there has to be a contract in order to agree to a credit card. I assume you couldn't lie to open the checking account, so I don't see how they can even hold you liable.

Aside from that - there is definitely something you can do about the extra charges. You must not have spoken to a very helpful rep. I would say at least 80% of the time I have been able to get extra fees/charges at least cut in half, especially if you explain the situation. If one rep doesn't help, you just call back so you can talk to someone more empathetic, or ask to speak to their manager.

First of all come clean to your dad! He's gonna be pissed, but hey he kinda has a point.... Don't make it worse by paying for bad credit with credit, just take a look at the banking crisis. Suck it up and take it like a man. Second, you shouldn't make deals and contracts you don't fully understand. Let this be a lesson for the future if its to good to be true, it is to good to be true. Second since you are 17 you haven't reach financial adulthood due to the cocktail of hormones and imbalances. This ables you to unbind the contract by pleading temporarily insanity. Also there is a thing called Usury Policy.. This means the companies are entitled to inform of the danger the financial products and hidden danger need to be addressed to as point. If not and you discover there are added cost which you didn't expect and were not informed of in good will, you can unbind your contract and dismiss the bills. Go to a pro deo/pro bono attorney, explain this and there is a 80% chance you don't have to pay.

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I was never informed of such long outstanding credit card charges. All I had was bank overcharges which I payed! I guess I will try consulting a lawyer with this one sounds the most economical. Thanks for everyones great advice.

Edit: I was thinking about the bank loan but dont want to be in debt any more

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If you take a loan against your own money with a new bank account you are not in debt. You are moving Your money around. This is actually a good way to increase your credit when you pay yourself back on time .

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